United Arab Bank · ADX:UAB
United Arab Bank — 9M 2025 Earnings Presentation
19 slides from United Arab Bank's earnings presentation, Oct 27, 2025
Slide 1: A New Chapter Begins - Nine Months 2025 Earnings Presentation
% -aatodl qupoll cli! UNITED ARAB BANK A NEw CHAPTER BEGINS... Nine Months 2025 Earnings presentation 27 October 2025
Slide 2: Building on 50 years of Trust - Shaping the Future Ahead
Building on 50 years of Trust - Shaping the Future Ahead Y Delivering results - consistently, sustainably * Continue to deliver strong operational performance across all key areas * Executing on our growth strategy with discipline and precision Y Beginning a newchapter in our growth journey cy vw *
Slide 3: 9M'25 Net Profit up 49% year-on-year
9M‘25 Net Profit up 49% year-on-year UAB anioll yujall Lull UNITED ARAB BANK A® Asset quality metrics ’ ' ; H RRA St t th 9M'25 earnings growth driven by solid asset [G69 aah ee FS remain healthy and revenue growth, and strong recoveries 0, i" fetal Bp 24bn +22% Gross NPL 3.1 % eon rz Assets yoy rat
Slide 4: Solid growth in profits attributable to consistent operational performance
Solid growth in profits attributable to consistent operational performance, coupled with strong recoveries and disciplined expense management 9M'25 net profit growth driven by higher revenue growth... . Operating income in 9M'25, +28% yoy, led by, both, higher NII and non-interest income + NII +21%
Slide 5: Strong asset growth and strategic focus on enhancing non-interest income
Strong asset growth and strategic focus on enhancing non-interest income through cross-sell and FX income, drive double-digit growth in total income Operating income: both, Nil and non-interest income grew strongly in 9M‘25 yoy (AED Mn) -5%qoq, — +36% yoy Non-int inc: +13%qoq, +39% yoy Non-int inc 4
Slide 6: Expense growth reflects investment in the business; cost-income ratio improves
Expense growth reflects investment in the business and non-discretionary regulatory driven expenses; cost-income ratio improves further in 9M‘25 on the back of positive jaws ratio Efficiently managing expenses and investing across people, products, processes and systems, in line with the medium-term
Slide 7: Strong recoveries and prudent risk management lead to net impairment reversals
Strong recoveries and prudent risk management lead to net impairment reversals in 9M‘25 Firmly focused on ensuring healthy asset quality and implementation of prudent risk management practices, amid strong business growth CoR - ytd (bps} om © @ MCR - gtr (bps) BM mpairment charges, net (AED Mn) 2 =
Slide 8: Robust fundamentals and strong customer-led growth remain key drivers of UAB
Robust fundamentals and strong customer-led growth remain key drivers of UAB. our sustainable and profitable growth Balance Sheet highlights Sep'25 “ehgvs %chgvs Ychgvs {in AED Billion) Jun’25 Dec'24 Sep'24 Total Assets 24.5 2 16 2 Loans and advances 14.1 5 22 3 Investments 74 12 B 30 Customers’ dep
Slide 9: Quality investment portfolio mandated to meet liquidity requirements and enhance yield
Quality investment portfolio mandated to meet liquidity requirements and UAB. enhance yield stall yall cl UNITED ARAB BANK Investments book primarily consist of debt instruments = Debt - Amortised cost 17 2.9 = Debt - FVOCI 43 45 = Equity - FVOCI 0.001 0.001 TOTAL INVESTMENTS 6.0 VA 40% of exposure
Slide 10: Growth in loans driven by both corporate and retail customers
Growth in loans driven by, both, corporate and retail customers; retail UAB. lending contribution increasing gradually aa yall cil UNITED ARAB BANK Gross loans grew by 4% in Q2'25 and 11% ytd; business pipeline remains robust Growth in loans led by corporate (+23%) and retail term loans (+46%) (AED
Slide 11: Liquidity and funding metrics remain well above regulatory thresholds
Liquidity and funding metrics remain well above regulatory thresholds; Focused on enhancing CASA deposits to support funding cost optimisation UAB anioll yujall Lull UNITED ARAB BANK High-cost deposits shed leading to improvement in cost of funds Remain focused on enhancing CASA% to support funding
Slide 12: [209] [193] [197] [239] [179]
[209] [193] [197] [239] [179]
Slide 13: Robust capital position and improved shareholder returns
Robust capital posi on and improved shareholder returns; successful rights issuance has boosted capital for further growth and enhanced resilience towards unforeseen macroeconomic shocks UAB anioll yujall Lull UNITED ARAB BANK Capital position significantly strengthened on successful completion of f
Slide 14: Continue to capitalise on favourable economic fundamentals and strong business momentum
Continue to capitalise on favourable economic fundamentals and strong UAB. business momentum atoll gyal hl UNITED ARAB BANK We remain cautiously optimistic on the outlook for FY 2025: technology Sewer * positive GDP growth’, further picking up pace ahead, with strong contribution from non-oil sector
Slide 15: Appendix
Slide 16: Summary financials - Income statement and related ratios
Summary financials - Income statement and related ratios Income statement highlights (AED Million) 9M'25 9M'24 NS 325725 No as, ag Net Interest Income 427 354 21 151 159 (6) m1 36 Non-Interest Income 153 98 56 56 50 13 a 39 Total Income 580 452 28 207 208 () 152 36 Operating Expenses (268) (224) 20
Slide 17: Summary financials - Balance sheet and related ratios
Summary financials - Balance sheet and related ratios a as %chg %chg %chg Balance sheet highlights (AED Billion) Sep-25 Sep-24 vs Sep'24 Jun-25 vs Jun'25 Dec-24 vs Dec'24 Total Assets 24.5 20.0 22 23.9 2 21.5 14 Loans, advances & Islamic financing 14.1 10.8 31 13.4 5 11.5 22 Investments 14 5.7 30 6.
Slide 18: Disclaimer
Disclaimer UAB anioll yujall Lull UNITED ARAB BANK + This presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basi
Slide 19: For any further queries, please contact
For any further queries, please contact UAB Investor Relations: irfauab.ae ¥ UAB Financial Reports & Annual Reports aatod! puyol! cli! L Sustainability (ESG) Reports UNITED ARAB BANK United Arab Bank (P.J.S.C) is licensed by the Central Bank of the UAE. @@OOQd euabuae | @ uabae